Level Of Financial Literacy Among College of Arts and Sciences Students of Central Bicol State University of Agriculture

In today's financially complex environment, equipping young adults with sound financial literacy is essential. This study assessed students' financial knowledge, behaviors, and attitudes from the College of Arts and Sciences at Central Bicol State University of Agriculture–Calabanga Campus during the First Semester of AY 2024–2025. Utilizing a descriptive-quantitative design and a standardized OECD/INFE-based survey, data were gathered from 294 randomly selected students. Results revealed a medium overall financial literacy level (mean score = 2.17/3.0), with students showing responsible financial behaviors and positive attitudes but limited understanding of advanced concepts such as compound interest and the time value of money. No significant differences were observed across socio-demographic variables, including age, sex, year level, and monthly allowance. The findings highlight the need to enhance financial education through curriculum integration, workshops, and experiential learning to better prepare students for real-world financial decision-making.